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Calculate your pension gap

The pension gap is the amount you fall short of your target pension each year in retirement. The target pension is a share of your last salary that you choose yourself, usually around 60 percent.

The calculator estimates your future pension from the state pension and your pension fund and subtracts it from the target pension. What is left is the gap per year and per month, split between state pension and pension fund.

Your yearly salary before deductions, from your salary statement.

Your current age in years.

When you plan to stop working. The reference age is 65.

As a percentage of your last salary. 60 percent is the common benchmark.

Result

Pension gap per month

CHF 102.31

Gap per year
CHF 1'227.72
State pension per year (13 payments)
CHF 30'901.87
Pension fund pension per year
CHF 15'870.42
Expected total pension per year
CHF 46'772.28
Target pension per year
CHF 48'000.00

You are about CHF 102.31 per month, or CHF 1'227.72 per year, short of your target pension.

Rule of thumb: around CHF 30'693 of capital would cover this yearly gap indefinitely at a 4 percent withdrawal rate. This is a rule of thumb, not an investment guarantee.

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What this calculator does not cover

The result is a rough estimate, not a binding calculation. For the exact figure, the official statement is what counts.

  • The pension fund is calculated only with the legal BVG minimum, without your existing balance and without non-mandatory plans. So the real pension is higher for many people and the gap shown is closer to an upper bound.
  • The state pension assumes: no contribution gaps, income constant at today's level, single person, no income splitting and no child-raising credits.
  • The conversion rate is fixed at 6.8 percent, even for retirement before 65. Real pension funds lower it in that case.
  • All amounts are in today's francs. No inflation, no salary growth, no tax on the pension.

Official pension projection: OASI leaflet 3.06

How it is calculated

The state pension is estimated from your current salary with the official pension formula, for a full contribution period and including the 13th payment from 2026.

The pension fund pension is projected up to retirement age using only the statutory BVG minimum, then converted into a pension at the 6.8 percent conversion rate.

Target pension minus expected pension gives the gap. As a rough orientation, the calculator also divides the yearly gap by 4 percent to show the capital needed.

Estimate, not tax or pension advice.

Frequently asked questions

Is the result binding?
No. The calculator gives an order of magnitude. For the exact figure, your compensation fund's pension projection and your pension fund statement are what count.
Why is my gap so large?
Because only the mandatory BVG part is calculated. Non-mandatory plans that many funds offer are not included, so the gap shown tends to be too high.
Are inflation and taxes included?
No. All amounts are in today's francs, without inflation, salary growth or tax on the pension.
Calculate your pension gap (Switzerland, 2026) · Finanzli